Best 0% APR Credit Cards

No-interest credit cards can save you big money.

When it comes to the best credit cards, the lower your annual percentage rate, the better. At the end of the day, no wants to pay a high interest rate. Although paying interest is often unavoidable when borrowing money, most credit cards offer an introductory APR that gives you some temporary relief from interest and makes certain credit cards more appealing than others.

Regardless of why you’re opening a credit card, it’s important to find the best low-interest credit cards to save money, especially if you’re making a balance transfer.

Keep reading to see which banks offer the best 0% APR credit cards, some of which are also the best cash-back credit cards.

Best No-Interest Credit Cards

Typically, banks offer an introductory APR for purchases and balance transfers to help you manage your finances better and pay off your debt sooner. The 0% APR period, however, is temporary. Most promotional periods last anywhere from 12 to 18 months. To choose the right 0% APR card for you, compare credit cards with intro offers:

Best 0% APR Credit Cards
Credit Card NameIntro APR for purchasesIntro APR for balance transfersStandard APR
Chase Slate0% for 15 months0% for 15 months16.49% to 25.24% variable APR
Citi Simplicity Card0% for 18 months0% for 18 months; must be completed within 4 months of account opening15.74% to 25.74%, based on your creditworthiness
U.S. Bank Visa Platinum Card0% for the first 20 billing cycles0% for the first 20 billing cycles11.74% to 23.74%, based on your creditworthiness
Bank of America BankAmericard Credit Card0% for the first 15 billing cycles0% for the first 15 billing cycles; must be made within 60 days of account opening14.74% to 24.74% variable APR
American Express Blue Cash Everyday Card0% for 15 months0% for 15 months14.74% to 25.74% variable APR
Citi Diamond Preferred Card0% for 12 months0% for 21 months from date of first transfer; must be completed within 4 months of account opening14.74% to 24.74% based on your creditworthiness
Discover it Cash Back0% for 14 months0% for 14 months13.74% to 24.74% variable APR
Information accurate as of July 3, 2018.

Get the Answer: What Is a ‘Good’ APR for a Credit Card?

Chase Slate

  • 0% intro APR for 15 months, 16.49% to 25.24% variable APR thereafter
  • No annual fee
  • No penalty APR

The Chase Slate card is good for anyone looking to make a balance transfer and for those who have credit scores between 670 and 850. You can get an introductory APR of 0% on balance transfers if you make the transfer during the first 60 days your account is open. For all balance transfers thereafter, the fee is 5 percent of the amount transferred. This credit card also gives you free access to your FICO score and provides information on ways to manage your credit through a personalized dashboard.

See: How to Get Your Credit Score for Free

Citi Simplicity Card

  • 0% intro APR for 18 months, then 15.74% to 25.74% based on creditworthiness
  • No late fees
  • No annual fee

In addition to the long 18-month introductory period with 0% APR, the Citi Simplicity Card comes with $0 liability on unauthorized charges and identity theft protection. You also have access to 24/7 help and assistance. The Citi Simplicity Card is perfect for making large purchases and a good fit for someone with a high credit score of 740 to 850.

Learn: How to Use Credit Cards Wisely

U.S. Bank Visa Platinum Card

  • 0% intro APR for the first 20 billing cycles, then 11.74% to 23.74%
  • No annual fee

The U.S. Bank Visa Platinum Card comes with perks like coverage for your damaged or stolen phone, up to $600 per occurrence if you use the card to pay your phone bill. In addition, you can review your credit score for free and payment due dates are tailored to your schedule.

Bank of America BankAmericard Credit Card

  • 0% intro APR for the first 15 billing cycles, then 14.74% to 24.74% variable APR
  • No annual fee
  • No penalty APR

The Bank of America BankAmericard Credit Card comes with a $0 introductory balance transfer fee for the first 60 days after your account is open. That jumps to at least $10 for balance transfers thereafter. With this credit card, you won’t be responsible for fraudulent transactions with the card’s $0 liability guarantee. This card is best for customers whose credit scores range between 740 and 850.

Related: Best Travel Rewards Credit Cards

American Express Blue Cash Everyday Card

  • 0% intro APR for 15 months, then 14.74% to 25.74% variable APR
  • Cash-back rewards
  • No annual fee
  • 29.99% penalty APR

In addition to its low introductory APR, the American Express Blue Cash Everyday Card attracts customers through its cash-back rewards. You earn 3 percent cash back at U.S. supermarkets, on up to $6,000 per year, and 2 percent cash back at gas stations and some department stores. This card is best suited for people with a credit score of 670 to 850.

Citi Diamond Preferred Card

  • 0% intro APR for 12 months, then 14.74% to 24.74% based on your creditworthiness
  • Access to your FICO score
  • 29.99% penalty APR

There is a 0% introductory APR on balance transfers for 21 months, which makes this a great card for those looking to consolidate debt. If you transfer a balance after your introductory APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances are paid in full. Credit card users with a high credit score of 740 to 850 are the best fit for this card.

Click to find out how to get the highest credit score possible.

Discover it Cash Back

  • o% intro APR for 14 months on purchases and balance transfers, then 13.74% to 24.74% variable APR and a 3 percent fee for each balance transfer
  • No annual fee
  • Guaranteed 1 percent cash back on all purchases

Maybe one of the best cash-back credit cards, Discover automatically matches all the cash back you earn at the end of your first year. You can also pocket 5 percent cash back at different supermarkets, gas stations, grocery stores, restaurants, wholesale clubs and Amazon. In addition, you can freeze and unfreeze your account at any time from your mobile phone if you lose your card or suspect fraudulent activity. Thanks to the cash-back reward system, the Discover it Cash Back card is good for those who are big shoppers with a credit score of 740 to 850.

Click through to see best balance transfer cards.

Methodology: To determine the best 0% APR credit cards, GOBankingRates evaluated credit cards based on the following factors: length of 0% APR period, credit score needed to get the credit card, balance transfer options, annual fees and other perks. 

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